InsurTech Claims Automation Platform — UK Motor Insurer

Architecture: FastAPI backend, React frontend for claims handlers, PostgreSQL, AWS eu-west-2. Integration: ABI MID API (Motor Insurance Database), DVLA VES API (vehicle enquiry), GOV.UK Notify for customer correspondence, Stripe for direct settlement payments. AI Triage Engine: Custom ML model (scikit-learn, trained on 18 months of historical claims data) classifying claims: Straight-Through Processing (STP — fully automated settlement), Assisted (handler with AI recommendation), Manual (complex claims requiring full handler involvement). STP threshold: liability clear, damage under £2,500, no injury, clean MID and DVLA checks. FCA Consumer Duty Architecture: Outcome monitoring built into the platform: settlement time per claim type tracked, declined rate monitored for demographic patterns (FCA fair value assessment), customer satisfaction survey automated via GOV.UK Notify post-settlement. Dashboard providing FCA evidence of good customer outcomes. GDPR and AML for Claims: Claims data includes sensitive personal data (medical records for injury claims — Article 9 special category), vehicle ownership data, and financial data. Article 9 DPIA completed. Retention policy: 6 years for claims records (Limitation Act 1980). POCA 2002 fraud detection: suspicious claim patterns flagged for MLRO review.